BUREAU MATHIEU is a financial institution; the bankruptcy model is trained on trading and manufacturing companies and does not apply here. The 2025 annual accounts show equity of €1.23M and a net result of €248k. Equity is growing by ~23.9% per year across the filed fiscal years. Its solvency ranks better than 95% of 2413 sector peers (fiscal year 2025). The company has been active since 2004 and the Belgian State Gazette contains no insolvency or warning signals.
Checked score
Outside the general model
Model not applicable to financial institutions
The health score weighs liquidity, leverage and margins against norms for trading and manufacturing companies. A bank, insurer or financial holding has a fundamentally different balance-sheet structure, so those ratios, and hence the score, carry no meaning here. That is why we show no financial axes either.
Credit advice for your own amount and term
Signals
Three signals. The signal on the left, the evidence on the right.
○neutral
neutral · Latest accounts filed on time
The financial year that closed on 31-12-2025 was due by 31-07-2026 and was filed on 07-07-2026, 24 days ahead of the deadline.
NBB · 10 filingsDeviation from the deadline
2025
24 d early
2024
38 d early
2023
34 d early
2022
6 d early
2021
6 d early
2020
19 d early
2019
30 d early
← before the deadline
after the deadline →
neutral · The next deadline is still running
The next financial year closes on 31-12-2026 and is due by 31-07-2027. Nothing is late today.
Companies Code · seven monthsPosition in the running window
17-09-2026 today31-12-2026 close31-07-2027 deadline
Financials · fiscal year 2025, micro schema
Equity
€1.23M▲ 25.3%
2024 · €979k
2018: €129k
2019: €291k
2020: €398k
2021: €539k
2022: €690k
2023: €951k
2024: €979k
2018 → 2025
Net result
€248k▼ 20.1%
2024 · €310k
2018: €145k
2019: €162k
2020: €177k
2021: €141k
2022: €151k
2023: €261k
2024: €310k
2018 → 2025
Total assets
€1.28M▲ 24.4%
2024 · €1.03M
2018: €274k
2019: €339k
2020: €511k
2021: €581k
2022: €738k
2023: €1.02M
2024: €1.03M
2018 → 2025
Solvency
96.3%▲ 0.7pp
2024 · 95.5%
2018: 46.9%
2019: 85.8%
2020: 77.8%
2021: 92.7%
2022: 93.5%
2023: 93.5%
2024: 95.5%
2018 → 2025
Multi-year overview
Every figure with its change against the year before
▲ rise
▼ fall
Line20212022202320242025Trend
Equity€539k-€690k▲ 28.2%€951k▲ 37.7%€979k▲ 3.0%€1.23M▲ 25.3%
Operating result€203k-€234k▲ 15.4%€362k▲ 54.2%€400k▲ 10.7%€355k▼ 11.4%
Net result€141k-€151k▲ 7.0%€261k▲ 73.0%€310k▲ 19.0%€248k▼ 20.1%
Turnover and EBIT margin not published: the micro schema does not require them.
Result per fiscal year
Operating resultNet result
The operating result falls in 2025; 2025 is 11% below 2024.
Balance-sheet composition
2025 in colour, 2024 as the grey bar beneath
Assets €1.27M
Fixed assets
€96k▼ 24.3%
Current assets
€1.17M▲ 33.7%
Equity and liabilities €1.28M
Equity
€1.23M▲ 25.3%
Debt
€48k▲ 4.5%
The debt ratio falls from 4.5% to 3.7%. Equity and debt are higher.
Key figures and ratios
Solvency
96.3%▲
2024 · 95.5%
ROE
20.2%▼
2024 · 31.7%
ROA
19.4%▼
2024 · 30.3%
Debt
€48k▲
2024 · €46k
Debt ≤ 1 year
€48k▲
2024 · €46k
Income taxes
€115k▲
2024 · €104k
Staff costs
€187k▲
2024 · €137k
Green means a favourable move, even when the figure itself falls: as with debt or debt / equity.
Filed annual accounts
As filed with the NBB · 2025 against 2024
Balance sheet
Code20242025
Assets
Total assets20/58€1.03M€1.28M▲
Formation expenses20€24k€9k▼
Fixed assets21/28€127k€96k▼
Tangible fixed assets22/27€127k€96k▼
Plant, machinery and equipment23-€3k
Furniture and vehicles24€127k€91k▼
Other tangible fixed assets26-€2k
Current assets29/58€875k€1.17M▲
Amounts receivable within one year40/41€65k€69k▲
Trade receivables40€982€484▼
Other amounts receivable41€64k€69k▲
Current investments50/53€335k€535k▲
Cash at bank and in hand54/58€470k€561k▲
Deferred charges and accrued income490/1€5k€5k▼
Equity and liabilities
Total equity and liabilities10/49€1.03M€1.28M▲
Equity10/15€979k€1.23M▲
Contributions10/11€8k€8k=
Reserves13€966k€1.21M▲
Non-distributable reserves130/1€36k€36k=
Reserves not available under the articles1311€36k€36k=
Distributable reserves133€930k€1.18M▲
Profit (loss) carried forward14€6k€6k=
Amounts payable17/49€46k€48k▲
Amounts payable within one year42/48€46k€48k▲
Trade debts44€8k€7k▼
Suppliers440/4€8k€7k▼
Taxes, remuneration and social security45€37k€37k▼
Taxes450/3€16k€18k▲
Remuneration and social security454/9€21k€18k▼
Other amounts payable47/48€155€4k▲
Accrued charges and deferred income492/3€2-
Income statement
Code20242025
Remuneration, social security and pensions62€137k€187k▲
Depreciation of and write-downs on formation expenses, intangible and tangible fixed assets630€35k€38k▲
Other operating charges640/8€387€2k▲
Gross operating margin9900€573k€582k▲
Operating profit (loss)9901€400k€355k▼
Financial income75/76B€14k€8k▼
Recurring financial income75€14k€8k▼
Financial charges65/66B€239€408▲
Recurring financial charges65€239€408▲
Profit (loss) for the period before taxes9903€414k€363k▼
Income taxes67/77€104k€115k▲
Profit (loss) for the period9904€310k€248k▼
Profit (loss) for the period to be appropriated9905€310k€248k▼
Appropriation of the result
Profit (loss) to be appropriated9906€316k€254k▼
Profit (loss) brought forward from the previous period14P€6k€6k=
Transfer to equity691/2€29k€248k▲
To other reserves6921€29k€248k▲
Profit to be distributed694/7€282k-
Return on contributions (dividend)694€282k-
The notes to these accounts (8 items: statements of assets and debts, cost breakdowns, rights and commitments) are not shown here.
Timeline · acts, filings and financial milestones
Next filing, fiscal year 2026, expected by
2026
07-07
NBB filing
Annual accounts filed
fiscal year 2025 · micro schema
2025
31-12
Financial
Equity above €1MEq €1.23M ▲25.3%
8 profitable years in a row build equity to €1.23M.
23-06
NBB filing
Annual accounts filed
fiscal year 2024 · micro schema
2024
31-12
Financial
Highest result since 2018net €310k ▲19%
Operating result €400k, net result €310k, both a record.
27-06
NBB filing
Annual accounts filed
fiscal year 2023 · micro schema
2023
25-07
NBB filing
Annual accounts filed
fiscal year 2022 · micro schema
2022
25-07
NBB filing
Annual accounts filed
fiscal year 2021 · micro schema
2021
31-12
Financial
Weakest financial yearnet €141k ▼20.5%
Net result drops to €141k, the lowest in the series; recovery starts the following year.
31-12
Financial
Liquidity triplescurrent ratio 13.27
Current ratio from 4.19 to 13.27; short-term debt falls from €113k to €42k.
31-12
Financial
Equity above €500kEq €539k ▲35.4%
4 profitable years in a row build equity to €539k.
12-07
NBB filing
Annual accounts filed
fiscal year 2020 · micro schema
2020
01-07
NBB filing
Annual accounts filed
fiscal year 2019 · micro schema
2019
31-12
Financial
Liquidity quadruplescurrent ratio 5.95
Current ratio from 1.45 to 5.95; short-term debt falls from €141k to €48k.
31-12
Financial
Equity above €200kEq €291k ▲126%
2 profitable years in a row build equity to €291k.
14-06
NBB filing
Annual accounts filed
fiscal year 2018 · micro schema
2018
07-06
NBB filing
Annual accounts filed
fiscal year 2017 · full schema
2017
25-07
NBB filing
Annual accounts filed
fiscal year 2016 · full schema
Financial milestoneNBB filingFinancial milestones sit on the fiscal year-end date, not the filing date.
Directors · office · real estate
Directors
6 acts for this company are in the Belgian State Gazette, of which we have read 0. We have therefore not extracted its directors from those acts yet.
Location & real-estate footprint
Registered office, Marche-en-Famenne · 1 establishment unit since 2004
Cannot be placed on the map
This address could not be matched to a point in the Belgian address register (BOSA BEST). The address below comes straight from the Crossroads Bank.
Marche, Avenue de la Toison d'Or 186900 Marche-en-FamenneGround area
195 m²
Building footprint
121 m²
Parcel 83034A0489/00K003, Wallonia. Linked by address, not a title deed.
1 establishment unit
Bureau Mathieu
since 20042.144.036.728
1 parcel
Wallonia
1
(100%)
| Parcel (capakey) | Region | Area | Buildings | Height / fl. |
|---|---|---|---|---|
| 83034A0489/00K003 | Wallonia | 194 m² | 1 · 121 m² | - |
Linked by address, not proof of ownership
Methodology
via registered seat: 1
1 of 1 parcel with an exact address match; the rest are indicative.
Linked through address data, this is not proof of ownership.
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Of 4,687 companies in sector 66220 we hold annual accounts for 3,231. 2,034 are within a factor 10 of this equity.See the whole sector
Company data · Crossroads Bank
Identification
Legal formPrivate limited company
Founded26-10-2004
Fiscal year end31-12
Activities, NACEBEL
66220Insurance agents and brokers
67201
Sources
Crossroads Bank for EnterprisesNational Bank · 21 filingsAddress and cadastre registers
Data from official sources, last processed on 17-09-2026. Scores and ratios are computed by Checked and are not a credit decision.
Contact details
3 entriesE-mail:mathieu.maurice@assur.cbc.be
Phone:084 31 23 76
Fax:084 31 23 67